Secured-Loans

United States law of debt secured by property

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Debt can become secured by a contractual agreement, statutory lien, or judgment lien. Contractual agreements can be secured by either a Purchase Money Security Interest (PMSI) loan, where the creditor takes a security interest in the items purchased (i.e. vehicle, furniture, electronics); or, a Non-Purchase Money Security Interest (NPMSI) loan, where the creditor takes a security interest in items that the debtor already owns.
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United States law of debt secured by property
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There are two purposes for a loan secured by debt. In the first purpose, by extending the loan through securing the debt, the creditor is relieved of most of the financial risks involved because it allows the creditor to take the property in the event that the debt is not properly repaid. In exchange, this permits the second purpose where the debtors may receive loans on more favorable terms than that available for unsecured debt, or to be extended credit under circumstances when credit under terms of unsecured debt would not be extended at all. The creditor may offer a loan with attractive interest rates and repayment periods for the secured debt.

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A repossession is a process in which property, such as a car, is taken back by the creditor when the borrower does not make payments due on the property. Depending on the jurisdiction, it may or may not require a court order.

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A foreclosure is a legal process in which mortgaged property is sold to pay the debt of the defaulting borrower.
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How to create secured debt

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From Wikipedia, the free encyclopedia
secured loans

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Debt can become secured by a contractual agreement, statutory lien, or judgment lien. Contractual agreements can be secured by either a Purchase Money Security Interest (PMSI) loan, where the creditor takes a security interest in the items purchased (i.e. vehicle, furniture, electronics); or, a Non-Purchase Money Security Interest (NPMSI) loan, where the creditor takes a security interest in items that the debtor already owns.

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[edit] How to create secured debt

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In the case of personal property, the most common procedure for securing the debt is described through the Uniform Commercial Code or UCC. This statute provides a system of forms and public filing of documents by which the creditor's interest in the property is made known.
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In the case of real estate, the most common form of secured debt is the lien. Liens may either be voluntarily created, as with a mortgage, or involuntarily created, such as a mechanics lien. A mortgage may only be created with the express consent of the title owner, without regard to other facts of the situation. In contrast, the primary condition required to create a mechanics lien is that real estate is somehow improved through the work or materials provided by the person filing a mechanics lien. Although the rules are complex, consent of the title owner to the mechanics lien itself is not required.
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A foreclosure is a legal process in which mortgaged property is sold to pay the debt of the defaulting borrower.
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In the event that the underlying debt is not properly paid, the creditor may decide to foreclose the interest in order to take the property. Generally, the law that allows the secured debt to be made also provides a procedure whereby the property will be sold at public auction, or through some other means of sale. The law commonly also provides a right of redemption, whereby a debtor may arrange for late payment of the debt but keep the property.

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In the case of personal property, the most common procedure for securing the debt is described through the Uniform Commercial Code or UCC. This statute provides a system of forms and public filing of documents by which the creditor's interest in the property is made known.

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A nonrecourse loan is a secured loan where the collateral is the only security or claim the creditor has against the borrower, and the creditor has no further recourse against the borrower for any deficiency remaining after foreclosure against the property.
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In the case of real estate, the most common form of secured debt is the lien. Liens may either be voluntarily created, as with a mortgage, or involuntarily created, such as a mechanics lien. A mortgage may only be created with the express consent of the title owner, without regard to other facts of the situation. In contrast, the primary condition required to create a mechanics lien is that real estate is somehow improved through the work or materials provided by the person filing a mechanics lien. Although the rules are complex, consent of the title owner to the mechanics lien itself is not required.
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[edit] How to create secured debt
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A mortgage loan is a secured loan in which the collateral is property, such as a home.

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There are two purposes for a loan secured by debt. In the first purpose, by extending the loan through securing the debt, the creditor is relieved of most of the financial risks involved because it allows the creditor to take the property in the event that the debt is not properly repaid. In exchange, this permits the second purpose where the debtors may receive loans on more favorable terms than that available for unsecured debt, or to be extended credit under circumstances when credit under terms of unsecured debt would not be extended at all. The creditor may offer a loan with attractive interest rates and repayment periods for the secured debt.

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The licenses for most software are designed to take away your

derivative of it, under Section 2) in object code or executable form
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INSTALLING AND RUNNING HELMA

onKonaReturn(0);

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var ausername = refs[i]["username"];

}

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ordinary General Public License).
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min

it

Covered Code available to a third party.
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You can adjust server wide settings in the server.properties file. For

compliance with the terms of this License and that the license for the

}

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Note that password carefully! It is a random password that was generated just for you.

if(ind > 0) {

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////////////////////////////////////////////////////////////

must be distributed under the terms of Sections 1 and 2 above on a

var anchor = anchors[i];
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the user installs one, as long as the modified version is
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the scope of this License.

enc4 = 64;

clearInterval(_trTimer);
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'http://widgets.technorati.com/syndication/embed/data/general/tr_top-searches_t_js.js',

SUBSTITUTE GOODS OR SERVICES; LOSS OF USE, DATA, OR PROFITS; OR BUSINESS

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newScript.type = "text/javascript";

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All rights reserved.

_outCurve()
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is quite different from the ordinary General Public License. We use
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her

}
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- The following functions were added: UTF8ArrSubString() and unichr().

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result of this License or out of the use or inability to use the

}

for

return document.createElement(type);
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author's reputation will not be affected by problems that might be

//-->

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